Best Business Credit Cards with No Personal Guarantee

The Brex 30 Card is a robust offering for businesses seeking a card with fantastic perks. It has a great sign-up bonus as well as the convenience of bypassing traditional credit checks, potentially sky-high spending limits and generous rewards in specific spending categories. Businesses will appreciate the automated tools for expense tracking, which can seamlessly integrate with popular accounting platforms. While it's tailored more towards businesses with a strong financial foundation, its features are designed to streamline financial management and provide great value.

• Earn 30,000 points after you spend $3,500 in your first 30 days or earn 50,000 points after you spend $9,000 in your first 30 days
• The card doesn't require a credit check, personal guarantee or account fees and charges no interest
• Experience 10x–20x higher spending limits than conventional business credit cards
• Earn rewards and cash back on your expenses, including 7x on rideshares and 2x on recurring software
• Start building your business credit immediately with a card that offers automatic monthly payments
• Automated receipt-matching and built-in expense tools offer in-depth insights into your expenditures
• Provide your team with unlimited virtual cards and set personalized spending limits for each
• Seamlessly integrate with QuickBooks, Xero, NetSuite, Concur and Expensify to streamline your accounting
• Approval for a Brex card with monthly payments necessitates a linked bank balance of at least $50,000
• The Brex Mastercard® is issued by Emigrant Bank, an FDIC member

The Sam’s Club® Business Mastercard® stands out as a modern, convenience-focused financial tool. With no annual fees and an attractive welcome bonus, it rewards regular Sam's Club shoppers handsomely, especially those with a Plus membership. Its seamless integration with the club’s mobile app and contact-free payment options emphasizes user-centric design. However, its value is most pronounced for those who shop frequently at Sam's Club and can navigate its layered reward system. The application process is straightforward, making it easier to access its perks. Just keep an eye on credit requirements and interest rates.

• No annual fee
• Earn $30 statement credit when opening a Sam’s Club® credit card and making at least $30 in purchases within the first 30 days
• Plus members earn 3% back on eligible in-club or digital purchases with their Sam’s Club Mastercard, and an additional 2% from their Plus membership, totaling up to 5% rewards
• The card offers 5% cash back on gas (up to $6,000 annually), 3% on dining and takeout and 1% on other eligible purchases
• Synchrony equipped Sam’s Club with contact-free payment options, incorporating them into the Scan & Go solution for in-club and pump transactions
• Cardholders can manage their accounts, track spending and make payments using the Sam’s Club mobile app with the Synchrony plug-in ('SyPi')
• Rewards are digital and are loaded directly onto membership cards for use online and in-club or can be converted to cash back
• Applying for the Sam’s Club Mastercard is streamlined across various platforms, from in-Club services to digital avenues like the mobile app, SamsClub.com, Text-to-Apply and Self-Checkout
• Regular APR: 20.90% to 28.90% variable

The Ramp Business Card is a standout in the corporate world, offering unmatched value. With cash back on all your spending, you'll effortlessly watch savings accumulate. What's more, it's fee-free, saving you from those pesky hidden costs. The detailed expense platform and Ramp Mobile let you track finances effortlessly, ensuring you're always in control. Plus, with its flexible card issuing and unique control features, it's designed for modern businesses. However, it's best suited for legally recognized entities because it's a charge card requiring monthly settlements. Still, for the right company, it's a game-changer.

• Rewards

  • Earn 1.5% cash back on all purchases, making it simple to accumulate rewards without tracking categories.

• APRS, Fees, and Penalties

  • Enjoy a no-fee charge card experience, eliminating the worry of annual fees.

• Perks & Benefits

  • Access a single intuitive platform to view all your spending, from invoice payments to managing reimbursements.
  • Use the Ramp Mobile app for easy access to your cards, policies, and transactions.
  • Issue unlimited virtual and physical cards without incurring extra costs.
  • Maintain detailed control over spending with the ability to lock any card and set spending limits.
  • Benefit from credit limits up to 20 times higher through Ramp's underwriting.
  • Take advantage of flexible eligibility for businesses without spending prerequisites.

The Charity Charge Nonprofit Business Card is a gem for nonprofit organizations. Waiving personal credit checks offers a seamless application process, fostering a sense of security by removing personal liabilities. Plus, you can bid farewell to annual fees. Its 24/7 support ensures you're never left in the lurch, and the card's notable rebate system cuts down on operational costs. Frequent office needs? Enticing discounts on supplies are waiting for you. While it's exclusive to nonprofits and requires select vendors for rebates, its unique benefits make it a powerhouse for the nonprofit sector.

• Rewards

  • Earn automatic rebates on travel, fuel, business services, and more at participating vendors without needing codes or redemption.

• APRs, Fees, and Penalties

  • Enjoy no annual fee or ongoing service fees.

• Perks & Benefits

  • No personal credit checks or personal guarantees required.
  • Receive 24/7 support from Commerce Bank and additional support from Charity Charge Customer Care.
  • Manage your card in real-time by pausing, canceling, and updating card limits.
  • Set up automatic email notifications for employee cardholders at the end of each billing cycle.
  • Discover 10-20% discounts on everyday purchases like office supplies and wireless services through CHAMPS Group Purchasing.